CIIN Certificate CF6 case studies
CIIN Certificate CF6 · Put your knowledge to work in context.
The CIIN Certificate CF6, often called the Certificate in Financial Planning, is a professional qualification offered through the Chartered Insurance Institute of Nigeria (CIIN) for people building or formalising a career in personal financial planning. It suits bank relationship managers, insurance and pension practitioners, independent advisers, and graduates moving into advisory roles who need a structured, client-facing planning skill set rather than a single-product specialism. The CIIN Certificate CF6 case studies are 5 cases and about 4,085 words.
1The Adeyemi household: triage under a school-fees deadline
Tunde (41) and Bisi (39) Adeyemi have combined net monthly income of ₦850,000. Their essential outgoings are mortgage ₦180,000, food and utilities ₦210,000, transport ₦90,000, a personal loan ₦75,000, life insurance ₦20,000 and the 5% minimum on a ₦1.2m credit card at 36% APR (₦60,000).
832 words, about 4 min2The contractor's group-life comfort blanket
Emeka Nwosu (44) is a self-employed building contractor. His wife Ada (40) earns ₦3.6m a year as a teacher; their children are 12 and 7.
781 words, about 4 min3Retiring at 60 with a DB anchor and a DC pot
Mrs Folake Balogun (58) plans to retire at 60. She has a defined-contribution pot of ₦42m, a defined-benefit pension of ₦1.8m a year from age 60 (inflation-linked), and a state pension of ₦1.2m a year from 65.
809 words, about 4 min4Equal shares, unequal roles: the Okonkwo succession
Chief Mrs Okonkwo (68) is a widow with two adult children. Her manufacturing business is valued at ₦120m; Ngozi, her daughter, has run it for 12 years and holds no shares.
819 words, about 4 min5The commission-driven recommendation
Mr Ade (72) is a retired teacher with ₦8m in savings, a modest pension and no dependants. He wants capital preservation and an extra ₦500,000 a year to cover care for his wife, who has dementia.
844 words, about 4 min